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What is a "Surplus Lines" Insurance Carrier and Do I Need One?

As you know, Florida is a unique state when it comes to insurance. It's a challenging environment with our hurricane-prone coastlines, plethora of HOAs and unique retirement communities. Depending on your circumstances,...

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Why Insurance Companies Won't Write Policies Before Named Storms

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two...

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More Home Insurance Options Coming to Florida

Beginning December 15th, 6 new home insurance companies have been approved to offer additional policies in Florida. This is good news considering several insurers pulled out of the state earlier this year. The companies...

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What is the Difference Between My Home's "Market Value" and "Replacement Value?"

When you're getting ready to purchase a home and are shopping out insurance policies, something to look for in your quote is whether it is based on the home's "Replacement Value," "Actual Cash Value" or "Market Value."...

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